Tax and thresholds
Use these first if your main question is SDLT, LBTT, LTT or first-time-buyer treatment.
Resource Library
UK home-buying guides
Detailed, practical guidance on SDLT, LBTT, LTT, legal fees and completion planning. Built for real UK buying decisions, not generic checklists.
Fees and execution
Use these for solicitor, survey, mortgage and completion-stage workflow planning.
Decision quality
Cross-check each guide with calculator scenarios so you can set an offer ceiling with confidence.
What Is Stamp Duty?
A clear UK guide to SDLT, LBTT and LTT, including how tax slices work and why headline rates can mislead buyers.
Updated: 2026-02-17
When Do You Pay Stamp Duty? Timing, Filing and Late Penalties
Stamp duty is due within 30 days of completion — late filing triggers automatic penalties starting at £100. Your solicitor handles the SDLT return and collects payment at completion. Learn the timeline, what happens if there are delays, and how to check it was filed correctly.
Updated: 2026-02-17
First-Time Buyer Relief Explained
Eligibility, thresholds and practical checks for first-time buyer relief in England and Northern Ireland.
Updated: 2026-02-17
Second-Home Stamp Duty Surcharge
How additional-property tax treatment works, when it applies, and what it does to all-in purchase costs.
Updated: 2026-02-17
Replacing Your Main Residence and Refunds
Rules and timelines for main-residence replacement and surcharge refund routes, explained in practical terms.
Updated: 2026-02-17
Typical Conveyancing Fees UK 2026 | What Should Buyers Expect to Pay?
Typical conveyancing fees for buying a house in the UK range from £800–£2,500 for a standard freehold, rising to £3,000+ for leasehold or complex transactions. See a full breakdown of what is included and what to budget for.
Updated: 2026-04-19
House Survey Costs Explained
Survey levels, common price ranges and decision factors for buyers who want to reduce costly surprises later.
Updated: 2026-02-17
Mortgage Fees Explained
Product fees, valuation costs and arrangement choices that can change true borrowing cost at completion.
Updated: 2026-02-17
How Much Cash Do I Need to Buy?
A practical framework for estimating total upfront cash needed: deposit, tax, legal fees, surveys and contingency.
Updated: 2026-02-17
LBTT Scotland Explained
Scottish LBTT bands and additional dwelling supplement explained with buyer-focused examples.
Updated: 2026-02-17
LTT Wales Explained
Welsh LTT rates and higher-rate treatment explained for owner-occupiers, movers and additional-property buyers.
Updated: 2026-02-17
Home-Buying Costs Checklist
A step-by-step checklist for budgeting, evidence gathering and completion readiness across UK purchase journeys.
Updated: 2026-02-17
Shared Ownership Stamp Duty Basics
How shared ownership can affect stamp duty treatment and what to check before relying on initial estimates.
Updated: 2026-02-17
Non-UK Resident Stamp Duty Surcharge 2026/27 | 2% Extra Explained
Non-UK residents buying residential property in England pay an extra 2% stamp duty surcharge on top of standard SDLT rates. See exactly how much you will pay and when the surcharge applies.
Updated: 2026-04-19
New-Build Buying Costs in the UK
A dedicated guide to budgeting new-build purchases, including reservation timing, extras and completion risk points.
Updated: 2026-02-17
Downsizing and Moving Costs in the UK
Practical advice for downsizers comparing sale proceeds, purchase tax and transaction costs before committing.
Updated: 2026-02-17
Bridging Finance and Completion Costs
Understand where bridging finance can increase purchase costs and how to stress-test completion budgets safely.
Updated: 2026-02-17
Stamp Duty on £300,000 (UK Guide)
A threshold-focused guide to what changes around a £300,000 purchase across SDLT, LBTT and LTT scenarios.
Updated: 2026-02-17
Stamp Duty on £500,000 (UK Guide)
A practical UK guide to tax and all-in costs around the £500,000 level, including buyer-type sensitivity.
Updated: 2026-02-17
First-Time Buyer Thresholds: £425k and £625k
A clear guide to how first-time buyer assumptions can change around £425,000 and £625,000 decision points.
Updated: 2026-02-17
Stamp Duty on £250,000 (UK Guide)
A practical guide to stamp duty and all-in completion costs around a £250,000 purchase.
Updated: 2026-02-17
Stamp Duty on £750,000 (UK Guide)
A high-value threshold guide for £750,000 purchases across SDLT, LBTT and LTT scenarios.
Updated: 2026-02-17
Second-Home Tax on £500,000 (UK Guide)
How additional-property treatment can affect £500,000 purchases and all-in completion costs.
Updated: 2026-02-17
Moving-Home Costs on £400,000 (UK Guide)
A practical £400,000 moving-home guide covering tax, fees and scenario checks before exchange.
Updated: 2026-02-17
First-Time Buyer on £350,000 (UK Guide)
A focused first-time buyer guide for £350,000 offers, with threshold-aware scenario planning.
Updated: 2026-02-17
Stamp Duty on £200,000 (UK Guide)
A practical guide to stamp duty on a £200,000 purchase across SDLT, LBTT and LTT — covering first-time buyer relief, second home surcharge and total completion cash.
Updated: 2026-03-25
Stamp Duty on £400,000 (2026/27): £10,000 Home Mover · £5,000 First-Time Buyer
How much stamp duty on a £400,000 house in 2026/27? Home mover pays £10,000 · first-time buyer pays £5,000 (saving £5,000 vs home mover) · second home buyer pays £30,000. See the full band breakdown for SDLT, LBTT and LTT.
Updated: 2026-04-19
Stamp Duty on £450,000 (UK Guide)
A guide to stamp duty on a £450,000 purchase: first-time buyers pay a reduced rate on this amount, but the relief is tapered. See SDLT, LBTT and LTT scenarios.
Updated: 2026-03-25
Stamp Duty on £600,000 (2026/27): £20,000 Home Mover · £50,000 Second Home
How much stamp duty on a £600,000 house in 2026/27? Home mover pays £20,000 · no first-time buyer relief above £500,000 · second home buyer pays £50,000 (5% surcharge on full price). See full SDLT, LBTT and LTT breakdown.
Updated: 2026-04-19
Stamp Duty on £325,000 (2026/27): £6,250 Home Mover · £1,250 First-Time Buyer
How much stamp duty on a £325,000 house in 2026/27? Home mover pays £6,250 SDLT · first-time buyer pays £1,250 (saving £5,000) · second home buyer pays £22,500 (5% surcharge on full price). See full band breakdown for SDLT, LBTT and LTT.
Updated: 2026-04-26
Stamp Duty on £375,000 (2026/27): £8,750 Home Mover · £3,750 First-Time Buyer
How much stamp duty on a £375,000 house in 2026/27? Home mover pays £8,750 SDLT · first-time buyer pays £3,750 (saving £5,000) · second home buyer pays £27,500. See full band breakdown for SDLT, LBTT and LTT.
Updated: 2026-04-26
Stamp Duty on £475,000 in 2026/27 UK: £13,750 Standard · £8,750 First-Time Buyer
Check stamp duty on a £475,000 house in 2026/27. Standard home mover SDLT is £13,750, first-time buyer SDLT is £8,750 and second-home tax is £37,500.
Updated: 2026-04-26
Stamp Duty on £550,000 (2026/27): £17,500 Home Mover · £55,000 Second Home
How much stamp duty on a £550,000 house in 2026/27? Home mover pays £17,500 SDLT · no first-time buyer relief above £500,000 · second home buyer pays £45,000 (5% surcharge on full price). See full SDLT, LBTT and LTT breakdown.
Updated: 2026-04-26
Stamp Duty on £650,000 (2026/27): £22,500 Home Mover · £55,000 Second Home
How much stamp duty on a £650,000 house in 2026/27? Home mover pays £22,500 SDLT · no first-time buyer relief above £500,000 · second home buyer pays £55,000 (5% surcharge on full price). See full SDLT, LBTT and LTT breakdown.
Updated: 2026-04-26
Stamp Duty on £700,000 (2026/27): £25,000 Home Mover · £60,000 Second Home
How much stamp duty on a £700,000 house in 2026/27? Home mover pays £25,000 SDLT · no first-time buyer relief above £500,000 · second home buyer pays £60,000 (5% surcharge on full price). See full SDLT, LBTT and LTT breakdown.
Updated: 2026-04-26